PackageTrendsPeer
Letter portraitLegal landscape

Southcity Bank

Vestavia Hills, AL · Cert 58703

FDIC · 4 branches

Q1 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Southcity Bank

Vestavia Hills, AL · Cert 58703

FDIC · 4 branches

Q1 2017

$286.0MAssets
$223.6MLoans
$231.6MDeposits
$31.3MEquity
Loan mix
58%RE $78.3M37%C&I $50.9M5%Consumer $6.8MQ1 2016Q1 2017
Deposit mix
86%Interest-bearing $198.9M14%Noninterest $32.7MQ1 2016Q1 2017

NIM

4.68%Q1 ’154.79%Q1 ’164.44%Q1 ’17+2%-10%

Non-interest income vs. expense

3.26%Q1 ’153.37%Q1 ’162.89%Q1 ’17+7%-14%

Market Position · Birmingham-Hoover, AL · 2016 SOD (annual) · 0.6% share · #20 of 50 inst. · $0.2B of $37.5B

0.7% Jefferson
0.0% Madison
0.0% Okaloosa

Executive Summary

  • Earnings: ROA of 1.04%, unchanged from a year ago; NIM at 3.75%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.90%, down 73 bps from a year ago.
  • Funding: loans stand at 96.51% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

1.04%0 bps YoY

Net Interest Margin (YTD, annualized)

3.75%-42 bps YoY

Efficiency Ratio (YTD, annualized)

64.96%-238 bps YoY

Tier 1 Leverage Ratio

10.90%-73 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets1.04%1.12%1.19%1.18%1.04%0 bps
Return on Equity8.89%9.71%10.32%10.33%9.40%+51 bps
Net Interest Margin4.17%4.26%4.06%4.03%3.75%-42 bps
Efficiency Ratio67.34%65.94%65.52%65.44%64.96%-238 bps
Non-Interest Burden2.54%2.43%2.27%2.25%2.19%-35 bps
Growth
Asset Growth (YoY)7.80%13.96%9.52%13.04%15.26%+746 bps
Loan Growth (YoY)12.65%13.50%13.07%14.70%11.84%-81 bps
Deposit Growth (YoY)4.29%12.97%8.78%14.43%17.02%+1,273 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.01%+1 bps
Net Charge-Offs / Loans-0.01%0.07%0.01%0.09%0.00%+1 bps
Allowance / Loans1.09%1.05%1.06%0.99%1.02%-8 bps
Allowance Coverage of NPLsn/an/an/an/a94.8xn/an/a
Capital
Tier 1 Leverage Ratio11.63%11.94%11.45%11.60%10.90%-73 bps
Total Risk-Based Capital14.34%13.69%13.75%13.71%13.94%-40 bps
Equity / Assets11.71%11.29%11.40%11.15%10.96%-75 bps
Liquidity & Funding
Loans / Deposits100.99%100.00%102.35%100.55%96.51%-447 bps
Liquid Assets / Assets1.46%1.86%0.61%0.19%5.04%+358 bps
CRE / Total Capitaln/an/an/an/an/an/an/a